XtraPension Benefits Calculator

Your household

Age decides almost everything that follows, so a date of birth is worth giving — State Pension age is rising from 66 to 67 and the calculator needs to know which side of the line the household sits on.

1

About you

Everything here is used to work out which rules apply.

Your date of birth *

State Pension age is rising from 66 to 67, so the exact date decides which rules apply.

Your age —

Worked out from the date of birth.

I am a British or Irish citizen living in the UK, have settled status, or already claim UK benefits I am a full-time student I live with a partner

2

Your partner

A couple is assessed together, and a mixed age couple follows different rules again.

Their date of birth *

Day, month and year.

Their age —

Worked out from the date of birth.

They are a British or Irish citizen living in the UK, have settled status, or already claim UK benefits They are a full-time student

3

Where you live

This sets the council, the Council Tax rate and the local rent cap.

Your postcode *

Looked up as soon as you finish typing. Without it, the national average Council Tax is used.

Children

Only children you are responsible for and who live with you. The two-child limit on Universal Credit ended on 6 April 2026, so every child now counts.

1

Who is in the household

How many children live with you?

Expecting Someone is pregnant or a new child is expected

Your housing

Help with rent comes through Housing Benefit at pension age and through Universal Credit below it. Council Tax is separate from both.

1

Where you live

Which best describes your housing?

How much is your rent? *

Bedrooms in the property

Used for the size criteria and the rent cap.

Outstanding mortgage

Used to estimate Support for Mortgage Interest.

2

Council Tax

Give the band, or the yearly bill if you have it to hand.

Council Tax band

Or the yearly bill

The property has an extra room, extra bathroom or extra space needed by a disabled resident

3

Other adults

Not your partner and not your dependent children. They can reduce help with rent and Council Tax.

How many other adults aged 18 or over live with you?

About them At least one works 16 hours a week or more They are all full-time students or under 18

Money coming in

Amounts after tax and National Insurance. Attendance Allowance, PIP and DLA are never counted as income, so leave them out here.

1

You

Earnings from work

Hours worked a week

State Pension *

Other pensions

Any other income — other benefits, rent from a lodger, maintenance

2

Your partner

Earnings from work

State Pension

Other pensions and other income

3

Savings

Pension Credit has no upper limit but counts £1 a week for every £500 above £10,000. Universal Credit stops entirely above £16,000.

Household savings and investments

Include everything except the home you live in.

Health and caring

A missed disability benefit is usually the most expensive thing to get wrong. It is not means tested, and it unlocks extra amounts in everything else — a severe disability addition alone is worth over £86 a week in Pension Credit.

1

You

An illness or disability affects my daily life An illness or disability affects my mobility I need help or supervision during the day I need help or supervision during the night These needs have lasted, or will last, at least 6 months I have a permanent condition that severely affects my memory or understanding — for example dementia, Alzheimer's, a stroke, Parkinson's, or a severe learning disability

Councils call this severe mental impairment. It needs a short certificate from a doctor and a disability benefit already in payment, and it takes you out of the council tax bill altogether — a 25% discount if one other adult lives there, and no bill at all if nobody else does. It can usually be backdated for years, so it is worth asking even if the certificate is not in hand yet.

Disability benefit already in payment

Limited capability for work I have been assessed as having limited capability for work-related activity That award, or an ESA support component, started before 6 April 2026

2

Your partner

An illness or disability affects their daily life An illness or disability affects their mobility They need help or supervision during the day They need help or supervision during the night They have a permanent condition that severely affects their memory or understanding — for example dementia, Alzheimer's, a stroke, Parkinson's, or a severe learning disability

Councils call this severe mental impairment. It needs a short certificate from a doctor and a disability benefit already in payment, and it takes them out of the council tax bill altogether — a 25% discount if one other adult lives there, and no bill at all if nobody else does. It can usually be backdated for years, so it is worth asking even if the certificate is not in hand yet.

Disability benefit already in payment

3

Caring for someone

Even where Carer's Allowance cannot be paid on top of a State Pension, claiming it creates an underlying entitlement worth £48.15 a week in Pension Credit.

I care for someone who is sick or disabled

Hours of care a week

About the person cared for They get Attendance Allowance, PIP daily living, or DLA middle or high rate care They are my partner, living here They live with me but are not my partner or my child under 18 I already get Carer's Allowance

What you already get

Optional. Tick anything already in payment so the calculator can tell new money apart from what is already coming in.

Your bills

Every question here is optional — skip any you do not know and the answer still works. It is worth filling in, though: this is where most of the unclaimed help sits, and social tariffs and insulation grants are almost never offered unless somebody asks.

1

Suppliers

Naming them lets the report point at the exact scheme each one runs.

Electricity and gas supplier

Water company

Broadband provider

Mobile provider

2

The property

The EPC rating and the heating system decide which grants are open.

Energy Performance Certificate rating

Water bill

The home has a water meter Someone uses a lot of water because of a medical condition We are behind on energy bills or owe the supplier money The home is heated by gas, oil, LPG or coal The home is not connected to mains gas

Where should we send it?

We will work out what you can claim and send the whole thing as a PDF: the figures, the reasoning behind each one, and how to claim.

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Your details

Used only to prepare and send the report.

Your name

Your email *

The report arrives here as a PDF attachment.

Just show me the result on screen — do not email anything

Everything you typed stays in this browser: the calculation runs on your own machine. Only the finished report and your email address are sent, so that the PDF can reach you.

Benefits Calculator

Your household

About you

Your partner

Where you live

Children

Who is in the household

Your housing

Where you live

Council Tax

Other adults

Money coming in

You

Your partner

Savings

Health and caring

You

Your partner

Caring for someone

What you already get

Benefits in payment

Your bills

Suppliers

The property

Where should we send it?

Your details